Auto Loans
Your first car loan, without the runaround
New or used, first car or long overdue upgrade. Walk onto the lot already knowing your number, then negotiate like you own the place.
Good for
Made for moments like these
Your very first car
Thin credit file? Totally normal. We look at the whole picture, not just a number.
Trading up
Tell us your trade in value and we will factor it right into your new payment.
Private party purchases
Buying from a friend or a marketplace listing? We can finance that too.
Also under this roof
Motorsports financing for everything that is not a car
Motorsports
Motorcycles, dirt bikes, ATVs, UTVs, boats, jet skis, snowmobiles, even golf carts. If it makes weekends better, we will help you get it.
- New and used from dealers or private sellers
- Tell us the price, the down payment and the ride
- Same fast decision as our auto loans
- Payments sized to fit around real life
Before you apply
What you will want nearby
You do not need any of this to start. But having it close makes the whole thing faster once we say yes.
Quick checklist
- Driver license
- Vehicle year, make and model
- Price of the vehicle
- Down payment amount
- Trade in details, if you have one
- Proof of income
- Proof of insurance before funding
Real questions
Stuff people actually ask us
Still curious after this? Call or text us at (706) 786-9330 and a real person will answer.
Can I get a car loan with no credit or a thin file?
Yes, it happens all the time. Our lending partners weigh income, job stability and your down payment alongside your credit. Being new to credit is normal at this stage of life.
Should I get approved before I go to the dealership?
Definitely. Walking in with a number already in hand means you negotiate the price of the car, not the financing. It also keeps you from getting talked into a payment you did not want.
Can you finance a private party sale?
Yes. Buying from a friend, a neighbor or a marketplace listing is totally fine. We just need the vehicle details and the agreed price.
Do you finance motorcycles, ATVs and boats?
We do. Motorcycles, ATVs, UTVs, jet skis, boats and other motorsports toys all fall under this page. Pick the motorsports option on the application and we will take it from there.
Does applying hurt my credit?
No. Checking your options with us is a soft look. A lender only does a hard pull once you choose an offer and are ready to sign.
How much do I need for a down payment?
It depends on the vehicle, your credit and the lender. More down usually means a lower payment and a better shot at approval, but some options work with very little upfront.
Heads up: Olive Branch Capital is a brokerage. We match you with lending partners and may receive compensation from them when a loan closes. That never changes your cost, and it never decides which option we recommend. All loans are subject to approval. Approval, rates and terms are decided by the lender. Availability varies by lender and location. Read our full disclosures.
Ready when you are.
Takes about five minutes. No credit hit for applying. Just a straight answer from real people.